I've been hovering around a score of 786 or so for about 6 months and it gradually increased to 796; how much longer to a score of 800? I have no loans and credit usage of less than 3%.
@10022016 wrote:I've been hovering around a score of 786 or so for about 6 months and it gradually increased to 796; how much longer to a score of 800? I have no loans and credit usage of less than 3%.
Not long 
You may float around there for a while, but 796 is as good as 800, just saying 
But then again, you could be there next update.
I floated at certain ranges of 5 points (around 825-830) for almost a year.....
but then started apping again
@Anonymous wrote:
@10022016I've been hovering around a score of 786 or so for about 6 months and it gradually increased to 796; how much longer to a score of 800? I have no loans and credit usage of less than 3%.Not enough information above to give you a solid answer. The answer could be 1 day or it could be 1 year depending on your profile data. For starters, what are you age of accounts factors? AoYA, AAoA and AoOA? How many inquiries do you have that are less than 1 year old and how old are they? What is your current aggregate CC utilization and do you have any individual cards that are at > 28.9% utilization? If so, what is your highest utilization CC?
The above information would help greatly. Also you said you don't have any open loans currently. There's a technique that can be implemented on a profile like your with no open loans that can add ~25 points or so, but whether or not you'd see all of those points would be influenced by the answers to the questions I already posed above.
It just went up by two points:
